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CN109102271A - Payment method, payment device, smart watch and computer-readable storage medium - Google Patents

Payment method, payment device, smart watch and computer-readable storage medium
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Publication number
CN109102271A
CN109102271ACN201810837318.3ACN201810837318ACN109102271ACN 109102271 ACN109102271 ACN 109102271ACN 201810837318 ACN201810837318 ACN 201810837318ACN 109102271 ACN109102271 ACN 109102271A
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China
Prior art keywords
payment
order
paid
smartwatch
information
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Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201810837318.3A
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Chinese (zh)
Inventor
王强
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Guangdong Genius Technology Co Ltd
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Guangdong Genius Technology Co Ltd
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Application filed by Guangdong Genius Technology Co LtdfiledCriticalGuangdong Genius Technology Co Ltd
Priority to CN201810837318.3ApriorityCriticalpatent/CN109102271A/en
Publication of CN109102271ApublicationCriticalpatent/CN109102271A/en
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Abstract

The application is applicable to the technical field of electronic payment, and provides a payment method, which comprises the following steps: after the payment function of the intelligent watch is detected to be started, acquiring an order to be paid; judging whether the order to be paid meets a preset payment condition or not; and if the order to be paid meets the preset payment condition, performing payment operation on the order to be paid. Through this application, can effectively improve the security of intelligent wrist-watch electronic payment, be convenient for especially carry out effectual management and control to child's electronic payment action.

Description

Method of payment, payment mechanism, smartwatch and computer readable storage medium
Technical field
The application belongs to e-payment technical field more particularly to method of payment, payment mechanism, smartwatch and computerReadable storage medium storing program for executing.
Background technique
Smartwatch is to meet the wrist-watch of wrist-watch main technique requirements with information processing capability.In addition to indicating the time,Should also have prompting, call, interaction etc. one of or multiple functions;Display mode includes number, image etc..
Although the function of existing smartwatch is more and more, the safety of electronic payment function is high not enough.EspeciallyWhen child carries out e-payment using smartwatch, can not effectively be managed.
Summary of the invention
In view of this, the embodiment of the present application provides a kind of method of payment, payment mechanism, smartwatch and computer-readableStorage medium can effectively improve the safety of smartwatch payment, and convenient for having to the e-payment behavior of childThe control of effect.
The first aspect of the embodiment of the present application provides a kind of method of payment, is applied to smartwatch, the method for paymentInclude:
After the payment function starting for detecting the smartwatch, order to be paid is obtained;
Judge whether the order to be paid meets the preset terms of payment;
If the order to be paid meets the preset terms of payment, delivery operation is carried out to the order to be paid.
The second aspect of the embodiment of the present application provides a kind of payment mechanism, is applied to smartwatch, the payment mechanismInclude:
Pay invoice obtains module, for obtaining to be paid after the payment function starting for detecting the smartwatchOrder;
Judgment module, for judging whether the order to be paid meets the preset terms of payment;
Payment module, for when the order to be paid meets the preset terms of payment, to the order to be paid intoRow delivery operation.
The third aspect of the embodiment of the present application provides a kind of smartwatch, including including memory, processor and depositsThe computer program that can be run in the memory and on the processor is stored up, the processor executes the computer journeyIt realizes when sequence such as the step of the method for payment.
The fourth aspect of the embodiment of the present application provides a kind of computer readable storage medium, the computer-readable storageMedia storage has computer program, and such as the method for payment is realized when the computer program is executed by one or more processorsThe step of.
5th aspect of the embodiment of the present application provides a kind of computer program product, and the computer program product includesComputer program is realized when the computer program is executed by one or more processors such as the step of the method for payment.
Existing beneficial effect is the embodiment of the present application compared with prior art: the smartwatch of the embodiment of the present application intoIt when row e-payment, needs first to judge whether the order to be paid meets the preset terms of payment, is meeting preset paymentWhen condition, payment just can be carried out, so as to effectively improve the safety of payment.And electronics is carried out using smartwatch in childWhen payment, parent can be limited the e-payment behavior of child by the way that the terms of payment are arranged, to reach effective controlPurpose, have stronger usability and practicality.
Detailed description of the invention
It in order to more clearly explain the technical solutions in the embodiments of the present application, below will be to embodiment or description of the prior artNeeded in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only some of the applicationEmbodiment for those of ordinary skill in the art without any creative labor, can also be according to theseAttached drawing obtains other attached drawings.
Fig. 1 is the implementation process schematic diagram for the method for payment that the embodiment of the present application one provides;
Fig. 2 is the implementation process schematic diagram for the method for payment that the embodiment of the present application two provides;
Fig. 3 is the composition schematic diagram for the payment mechanism that the embodiment of the present application three provides;
Fig. 4 is the composition schematic diagram for the smartwatch that the embodiment of the present application four provides.
Specific embodiment
In being described below, for illustration and not for limitation, the tool of such as particular system structure, technology etc is proposedBody details, so as to provide a thorough understanding of the present application embodiment.However, it will be clear to one skilled in the art that there is no these specificThe application also may be implemented in the other embodiments of details.In other situations, it omits to well-known system, device, electricityThe detailed description of road and method, so as not to obscure the description of the present application with unnecessary details.
It should be appreciated that ought use in this specification and in the appended claims, term " includes " instruction is described specialSign, entirety, step, operation, the presence of element and/or component, but be not precluded one or more of the other feature, entirety, step,Operation, the presence or addition of element, component and/or its set.
It is also understood that mesh of the term used in this present specification merely for the sake of description specific embodimentAnd be not intended to limit the application.As present specification and it is used in the attached claims, unless onOther situations are hereafter clearly indicated, otherwise " one " of singular, "one" and "the" are intended to include plural form.
It will be further appreciated that the term "and/or" used in present specification and the appended claims isRefer to any combination and all possible combinations of one or more of associated item listed, and including these combinations.
As used in this specification and in the appended claims, term " if " can be according to context quiltBe construed to " when ... " or " once " or " in response to determination " or " in response to detecting ".Similarly, phrase " if it is determined that " or" if detecting [described condition or event] " can be interpreted to mean according to context " once it is determined that " or " in response to trueIt is fixed " or " once detecting [described condition or event] " or " in response to detecting [described condition or event] ".
Smartwatch supports various application programs, such as one of the following or multiple: drawing application program, demonstration applicationProgram, word-processing application, website creation application program, disk imprinting application program, spreadsheet applications, game are answeredWith program, telephony application, videoconference application, email application, instant messaging applications, forgingRefining supports application program, photo management application program, digital camera application program, digital camera application program, web-browsing to answerWith program, digital music player application and/or video frequency player application program.
At least one of such as touch sensitive surface can be used in the various application programs that can be executed on smartwatchPublic physical user-interface device.It can be adjusted among applications and/or in corresponding application programs and/or change touch is quickFeel the corresponding information shown in the one or more functions and terminal on surface.In this way, terminal public physical structure (for example,Touch sensitive surface) it can support the various application programs with user interface intuitive and transparent for a user.
In addition, term " first ", " second " etc. are only used for distinguishing description, and should not be understood as in the description of the present applicationIndication or suggestion relative importance.
In order to illustrate technical solution described herein, the following is a description of specific embodiments.
It is the implementation process schematic diagram for the method for payment that the embodiment of the present application one provides referring to Fig. 1, which can be withApplied to smartwatch, the method for payment may include:
Step S101 obtains order to be paid after the payment function starting for detecting the smartwatch.
In the present embodiment, the payment function of smartwatch can be started in several ways.Such as pass through smartwatchThe payment function of preset physical button and/or virtual key starting smartwatch;The dial plate in smartwatch can also be passed throughThe upper payment function for carrying out preset slide starting smartwatch;Or click scheduled application program launching payment functionDeng.Certainly can also using other Starting mode, the present embodiment to the concrete mode of starting payment function without limitation.
It is preferred that the present embodiment can scan payment two dimensional code by the camera of the smartwatch to obtain wait prop upPay order.Wherein, the payment information in the order to be paid include but is not limited to merchandise news, payment amount, commodity figureConfirmation message of the user to the payment information where location information, shops's information and/or smartwatch when piece, purchase commodityAt least one of Deng.
Illustratively, the present embodiment can obtain position when buying commodity by the global position system GPS of smartwatchConfidence breath shoots the picture of commodity and the picture of shops by the camera of smartwatch, and from the picture of the commodityIt extracts merchandise news and extracts shops's information from the picture of the shops.
Step S102, judges whether the order to be paid meets the preset terms of payment.
The present embodiment can preset the terms of payment, such as the upper limit, the type of payment for merchandise, the branch of single payment amountPlace etc. where when paying commodity.
Preferably, the present embodiment can also be sent out the terms of payment by the mobile terminal bound with the smartwatchIt send to the smartwatch, or the terms of payment being arranged in the smartwatch is modified or updated.
Preferably, blacklist and/or white list can be pre-created, wherein the blacklist middle finger, which is shown with, to be forbidden payingInformation, such as Internet bar, amusement arcade, unhealthy food etc., the white list middle finger is shown with the information for allowing to pay, such as bookShop, stationery etc..
Specifically, judging whether the order to be paid meets the preset terms of payment and may include:
Extract the payment information in the order to be paid;
Extracted payment information is judged whether in the blacklist, if in the blacklist, it is determined that describedOrder to be paid is unsatisfactory for the preset terms of payment, and refusal carries out delivery operation to the order to be paid.
For example, if including the keywords such as Internet bar, amusement arcade or unhealthy food in the payment information, it is determined that describedOrder to be paid is unsatisfactory for the preset terms of payment, and refusal carries out delivery operation to the order to be paid.
In addition, judging whether the order to be paid meets the preset terms of payment and can also include:
Extract the payment information in the order to be paid;
Extracted payment information is judged whether in the white list, if in the white list, it is determined that describedOrder to be paid meets the preset terms of payment.
For example, if including the keywords such as bookstore, tutoring book or stationery in the payment information, it is determined that described to be paidOrder meets the preset terms of payment.
Step S103 props up the order to be paid if the order to be paid meets the preset terms of paymentPay operation.
Optionally, the present embodiment is after determining that the order to be paid meets the preset terms of payment, in order to further mentionThe order to be paid can also be sent to the mobile terminal with smartwatch binding by the safety of high e-payment,The mobile terminal shows the order to be paid, after receiving the order to be paid in order to the mobile terminal instituteThe order to be paid is audited in user, after the approval, acknowledgement of orders information is generated by the mobile terminalIt is sent to the smartwatch, the smartwatch pays the order to be paid after receiving acknowledgement of orders informationOperation.
Further, user where the mobile terminal is during auditing the order to be paid, can be withDelete operation is carried out to commodity (such as unhealthy food etc.) undesirable in the order to be paid, after deletion, is movedDynamic terminal is updated the order to be paid, and updated pay invoice is sent to the smartwatch, so thatThe smartwatch carries out delivery operation to the updated pay invoice.
Optionally, when obtaining order to be paid, the present embodiment may include:
Authentication is carried out to the user where the smartwatch and obtains order to be paid after certification passes through.
Optionally, when obtaining order to be paid, the present embodiment can also include:
The identity information of user, the identity information is sent to and the smartwatch where obtaining the smartwatchThe mobile terminal of binding is authenticated, and after the information that the certification for receiving the mobile terminal feedback passes through, is obtained to be paidOrder.
Wherein, the identity information includes but is not limited to finger print information, face information and/or encrypted message etc..
Optionally, the present embodiment can also include: after carrying out delivery operation to the order to be paid
Payment result information is sent to the mobile terminal, the payment result information includes payment successful information, branchPay failure information or refusal to pay information.Wherein, the payment failure information can be since Sorry, your ticket has not enough value, network connection failureEtc. caused by reasons, the refusal to pay information can be since payment amount has been more than the preset monthly payment upper limitDeng.
Through the embodiment of the present invention, it can effectively improve the safety of smartwatch e-payment.Especially used in childSmartwatch carry out e-payment when, by the pre-set terms of payment can the payment behavior to child effectively managedControl, prevents child from spending money extravagantly, and has stronger usability and practicality.
It referring to fig. 2, is the implementation process schematic diagram for the method for payment that the embodiment of the present application two provides, which can be withApplied to smartwatch, which may include:
Step S201 creates blacklist and/or white list.
Wherein, the blacklist middle finger is shown with the information, such as Internet bar, amusement arcade, unhealthy food etc. for forbidding payment, instituteIt states white list middle finger and is shown with the information, such as bookstore, stationery etc. for allowing to pay.
Step S202 obtains order to be paid after the payment function starting for detecting the smartwatch.
In the present embodiment, the payment function of smartwatch can be started in several ways.Such as pass through smartwatchThe payment function of preset physical button and/or virtual key starting smartwatch;The dial plate in smartwatch can also be passed throughThe upper payment function for carrying out preset slide starting smartwatch;Or click scheduled application program launching payment functionDeng.Certainly can also using other Starting mode, the present embodiment to the concrete mode of starting payment function without limitation.
Wherein, the payment information in the order to be paid include but is not limited to merchandise news, payment amount, commodity figureConfirmation message of the user to the payment information where location information, shops's information and/or smartwatch when piece, purchase commodityAt least one of Deng.
Whether step S203 extracts the payment information in the order to be paid, and judges the payment information describedIn white list.
Step S204, if extracted payment information not in the white list, judge the payment information whetherIn the blacklist, if also not in the blacklist, the order to be paid is sent to and institute for the payment informationState the mobile terminal of smartwatch binding.
Preferably, smartwatch described in the present embodiment can be the terminal that child uses, the mobile terminal can be familyThe long terminal used, the smartwatch and the mobile terminal can be bound by way of scanning the two-dimensional code.InstituteAfter stating smartwatch and the mobile terminal binding, it can be communicated by modes such as WIFI, 2G, 3G, 4G, 5G.
Step S205, after receiving the acknowledgement of orders information that the mobile terminal is sent, to the order to be paid intoRow delivery operation.
Further, user where the mobile terminal is during auditing the order to be paid, can be withDelete operation is carried out to commodity (such as unhealthy food etc.) undesirable in the order to be paid, after deletion, is movedDynamic terminal is updated the order to be paid, and updated pay invoice is sent to the smartwatch, so thatThe smartwatch carries out delivery operation to the updated pay invoice.
The embodiment of the present invention can be further improved intelligent hand by the modes such as black and white lists and mobile terminal confirmationThe safety of table e-payment, and the e-payment behavior of child is more effectively managed convenient for parent.
It should be understood that in the above-described embodiments, the size of the serial number of each step is not meant that the order of the execution order, it is each to walkRapid execution sequence should be determined by its function and internal logic, and the implementation process without coping with the embodiment of the present invention constitutes any limitIt is fixed.
Fig. 3 is that the schematic diagram for the payment mechanism that the application 3rd embodiment provides only is shown and this Shen for ease of descriptionIt please the relevant part of embodiment.
The payment mechanism 3 can be the list of the software unit being built in smartwatch, hardware cell or soft or hard combinationMember can also be used as independent pendant and be integrated into the smartwatch.
The payment mechanism 3 may include:
Pay invoice obtains module 31, for obtaining wait prop up after the payment function starting for detecting the smartwatchPay order;
Judgment module 32, for judging whether the order to be paid meets the preset terms of payment;
Payment module 33, for when the order to be paid meets the preset terms of payment, to the order to be paidCarry out delivery operation.
Optionally, the payment mechanism 3 can also include:
Authentication module, for carrying out authentication to the user where the smartwatch, and after certification passes through, by instituteIt states pay invoice and is sent to the mobile terminal bound with the smartwatch.
Optionally, the payment mechanism 3 can also include:
Creation module, for creating blacklist and/or white list, wherein the blacklist middle finger, which is shown with, forbids paymentInformation, the white list middle finger are shown with the information for allowing to pay.
Optionally, the judgment module 32 judges to be mentioned specifically for extracting the payment information in the order to be paidWhether the payment information taken is in the blacklist, if in the blacklist, it is determined that the order to be paid is unsatisfactory forThe preset terms of payment, refusal carry out delivery operation to the order to be paid.
Optionally, the judgment module 32 is also used to extract the payment information in the order to be paid, judges to be extractedPayment information whether in the white list, if in the white list, it is determined that the order to be paid meets defaultThe terms of payment.
Optionally, the payment module 33 is also used to when extracted payment information is not in the white list, judgementThe payment information whether in the blacklist, if the payment information also not in the blacklist, will it is described toPay invoice is sent to the mobile terminal with smartwatch binding, and true receiving the order that the mobile terminal is sentAfter recognizing information, delivery operation is carried out to the order to be paid.
Optionally, the pay invoice obtains module 31, specifically for user that the smartwatch is currently located intoRow authentication obtains order to be paid after certification passes through.
Optionally, the pay invoice obtains module 31, specifically for scanning branch by the camera of the smartwatchTwo dimensional code is paid to obtain order to be paid.
Optionally, the payment mechanism 3 can also include:
Payment result feedback module, for payment result information to be sent to the mobile end with smartwatch bindingEnd, the payment result information include payment successful information, payment failure information or refusal to pay information.
It is apparent to those skilled in the art that for convenience of description and succinctly, only with above-mentioned each functionCan module division progress for example, in practical application, can according to need and by above-mentioned function distribution by different functionsModule is completed, i.e., the internal structure of described device is divided into different functional unit or module, described above complete to completePortion or partial function.Each functional module in embodiment can integrate in one processing unit, be also possible to each unitIt physically exists alone, can also be integrated in one unit with two or more units, above-mentioned integrated unit can both be adoptedWith formal implementation of hardware, can also realize in the form of software functional units.In addition, the specific name of each functional moduleIt is only for convenience of distinguishing each other, the protection scope being not intended to limit this application.Information exchange, execution between above-mentioned moduleThe contents such as process, due to being based on same design, concrete function and bring technical effect with the application embodiment of the method, specificallyIt can be found in corresponding method embodiment part, details are not described herein again.
Fig. 4 is the schematic diagram for the smartwatch that the application fourth embodiment provides.As shown in figure 4, the intelligence of the embodimentWrist-watch 4 includes: processor 40, memory 41 and is stored in the memory 41 and can run on the processor 40Computer program 42, such as payment processing program.The processor 40 is realized above-mentioned each when executing the computer program 42Step in method of payment embodiment, such as step 101 shown in FIG. 1 is to 103 or step 201 to 205.Alternatively, the placeReason device 40 realizes the function of each module in above-mentioned each Installation practice, such as mould shown in Fig. 3 when executing the computer program 42The function of block 31 to 33.
It will be understood by those skilled in the art that Fig. 4 is only the example of smartwatch 4, do not constitute to smartwatch 4It limits, may include perhaps combining certain components or different components, such as described than illustrating more or fewer componentsSmartwatch 4 can also include input-output equipment, display equipment, network access equipment, bus etc..
Alleged processor 40 can be central processing unit (Central Processing Unit, CPU), can also beOther general processors, digital signal processor (Digital Signal Processor, DSP), specific integrated circuit(Application Specific Integrated Circuit, ASIC), field programmable gate array (Field-Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,Discrete hardware components etc..General processor can be microprocessor or the processor is also possible to any conventional processorDeng.
The memory 41 can be the internal storage unit of the smartwatch 4, such as the hard disk or interior of smartwatch 4It deposits.The memory 41 is also possible to the External memory equipment of the smartwatch 4, such as be equipped on the smartwatch 4Plug-in type hard disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card dodgeDeposit card (Flash Card) etc..Further, the memory 41 can also both include the storage inside list of the smartwatch 4Member also includes External memory equipment.The memory 41 is for storing needed for the computer program and the smartwatchOther programs and data.The memory 41 can be also used for temporarily storing the data that has exported or will export.
In the above-described embodiments, it all emphasizes particularly on different fields to the description of each embodiment, is not described in detail or remembers in some embodimentThe part of load may refer to the associated description of other embodiments.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosureMember and algorithm steps can be realized with the combination of electronic hardware or computer software and electronic hardware.These functions are actuallyIt is implemented in hardware or software, the specific application and design constraint depending on technical solution.Professional technicianEach specific application can be used different methods to achieve the described function, but this realization is it is not considered that exceedScope of the present application.
In embodiment provided herein, it should be understood that disclosed device/smartwatch and method, it can be withIt realizes by another way.For example, device described above/smartwatch embodiment is only schematical, for example, instituteThe division of module or unit is stated, only a kind of logical function partition, there may be another division manner in actual implementation, such asMultiple units or components can be combined or can be integrated into another system, or some features can be ignored or not executed.SeparatelyA bit, shown or discussed mutual coupling or direct-coupling or communication connection can be through some interfaces, deviceOr the INDIRECT COUPLING or communication connection of unit, it can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unitThe component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multipleIn network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme's.
It, can also be in addition, each functional unit in each embodiment of the application can integrate in one processing unitIt is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated listMember both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated module/unit be realized in the form of SFU software functional unit and as independent product sale orIn use, can store in a computer readable storage medium.Based on this understanding, the application realizes above-mentioned implementationAll or part of the process in example method, can also instruct relevant hardware to complete, the meter by computer programCalculation machine program can be stored in a computer readable storage medium, the computer program when being executed by processor, it can be achieved that onThe step of stating each embodiment of the method.Wherein, the computer program includes computer program code, the computer program generationCode can be source code form, object identification code form, executable file or certain intermediate forms etc..The computer-readable mediumIt may include: any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic that can carry the computer program codeDish, CD, computer storage, read-only memory (ROM, Read-Only Memory), random access memory (RAM,Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..It should be noted that describedThe content that computer-readable medium includes can carry out increasing appropriate according to the requirement made laws in jurisdiction with patent practiceSubtract, such as does not include electric carrier signal and electricity according to legislation and patent practice, computer-readable medium in certain jurisdictionsBelieve signal.
Embodiment described above is only to illustrate the technical solution of the application, rather than its limitations;Although referring to aforementioned realityExample is applied the application is described in detail, those skilled in the art should understand that: it still can be to aforementioned eachTechnical solution documented by embodiment is modified or equivalent replacement of some of the technical features;And these are modifiedOr replacement, the spirit and scope of each embodiment technical solution of the application that it does not separate the essence of the corresponding technical solution should allComprising within the scope of protection of this application.

Claims (11)

CN201810837318.3A2018-07-262018-07-26Payment method, payment device, smart watch and computer-readable storage mediumPendingCN109102271A (en)

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CN109741072A (en)*2019-01-082019-05-10广东小天才科技有限公司Mobile payment method, monitoring terminal, monitored terminal and readable storage medium
CN109886700A (en)*2019-02-282019-06-14广东小天才科技有限公司Payment method and system based on child telephone watch vein recognition
CN110084612A (en)*2019-04-282019-08-02广东小天才科技有限公司Payment method, device, terminal and storage medium based on mobile terminal
CN111192037A (en)*2019-12-312020-05-22深圳市三收健康管理科技有限公司Payment method and device and terminal equipment
CN111797718A (en)*2020-06-172020-10-20恒界时代科技(深圳)有限公司 Smart watch payment method based on face recognition
CN114792237A (en)*2021-01-252022-07-26博泰车联网(南京)有限公司Payment mode adjusting method and related product
CN113191760A (en)*2021-04-302021-07-30中国银行股份有限公司Method for carrying out mobile banking secure payment by using smart watch and smart watch
CN113269549A (en)*2021-06-102021-08-17湖南力唯中天科技发展有限公司Payment management and control method and system for smart campus

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